Last update: Oct 2026

Cost of Living Comparison Between Athens and Herceg Novi

For one person, living is cheaper in Herceg Novi: $1,237 a month against $1,806 in Athens, rent and utilities included – about $6,800 less a year. Rent and utilities account for most of the difference.

87

Cost of Living Index in Athens
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Athens Living Index
61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index

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Athens

🇬🇷 Greece

$1,806

/mo nomad

Herceg Novi

🇲🇪 Montenegro

$1,237

/mo nomad

Monthly Cost of Living

How much you'll spend in Athens and in Herceg Novi

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Athens and in Herceg Novi actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,806 in Athens versus $1,237 in Herceg Novi.

Athens $1,806
Herceg Novi $1,237

Estimated couple costs with rent: $2,731 in Athens versus $1,973 in Herceg Novi.

Athens $2,731
Herceg Novi $1,973

Monthly costs for a family of three with rent: $3,656 in Athens versus $2,710 in Herceg Novi.

Athens $3,656
Herceg Novi $2,710

Living in Athens is roughly 46% more expensive than in Herceg Novi, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Athens is 35% above, Herceg Novi is 8% below.

Meal at Budget Restaurant

$16.66 €14.87

$11.23 €10.02

48.35%

Three-Course Dinner for Two, Mid-Range

$66.2 €59.1

$36.34 €32.43

82.17%

Fast Food Meal (McDonalds, etc)

$11.06 €9.87

$9.19 €8.20

20.35%

Cappuccino

$4.14 €3.69

$2.59 €2.31

59.85%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.80 €2.50

$2.47 €2.20

13.36%

Water (0.33 liter bottle)

$0.57 €0.51

$1.64 €1.46

-65.24%

Local Beer (0.5 liter draught)

$5.64 €5.03

$2.82 €2.52

100.00%

Imported Beer (0.33 liter bottle)

$5.46 €4.87

$3.39 €3.02

61.06%

Milk (1 liter)

$1.96 €1.75

$1.16 €1.04

68.97%

White Bread (500g)

$1.41 €1.26

$1.02 €0.91

38.24%

Rice (white) (1kg)

$2.83 €2.53

$2.82 €2.52

0.35%

Eggs

$5.04 €4.50

$3.03 €2.70

66.34%

Local Cheese (1kg)

$15.35 €13.70

$8.94 €7.98

71.70%

Chicken Fillets (1kg)

$10.34 €9.23

$7.27 €6.48

42.23%

Beef Round Steak (1kg)

$18.97 €16.93

$12.81 €11.43

48.09%

Apples (1kg)

$2.17 €1.93

$1.34 €1.20

61.94%

Banana (1kg)

$1.91 €1.70

$1.55 €1.38

23.23%

Oranges (1kg)

$1.38 €1.23

$1.58 €1.41

-12.66%

Tomato (1kg)

$2.20 €1.96

$3.02 €2.70

-27.15%

Potato (1kg)

$1.10 €0.98

$0.89 €0.80

23.60%

Onion (1kg)

$1.13 €1.00

$1.30 €1.16

-13.08%

Lettuce (1 head)

$1.10 €0.99

$1.52 €1.36

-27.63%

Water (1.5 liter bottle)

$0.83 €0.74

$0.93 €0.83

-10.75%

Cigarettes 20 Pack (Marlboro, Camel)

$5.60 €4.99

$3.98 €3.55

40.70%

Wine (Bottle)

$10.19 €9.09

$4.43 €3.96

130.02%

Local Beer (0.5 liter bottle)

$2.18 €1.95

$1.24 €1.11

75.81%

Imported Beer (0.33 liter bottle)

$2.45 €2.19

$1.72 €1.54

42.44%

One-way Ticket (Public Transport)

$1.38 €1.23

$1.69 €1.51

-18.34%

Public Transport Monthly Pass (Regular Price)

$30.87 €27.55

$45.08 €40.23

-31.52%

Taxi Start (Normal Tariff)

$4.37 €3.90

$2.91 €2.60

50.17%

Taxi (Normal Tariff) (1km)

$1.04 €0.93

$1.09 €0.97

-4.59%

Taxi 1hour Waiting (Normal Tariff)

$17.11 €15.27

$16.59 €14.81

3.13%

Gasoline (1 liter)

$2.31 €2.07

$1.72 €1.53

34.30%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$28.0K €25.0K

$33.0K €29.5K

-15.32%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$28.0K €25.0K

$20.9K €18.7K

33.85%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$210 €187

$131 €117

59.52%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$26.70 €23.83

$12.86 €11.48

107.62%

Internet (50+ Mbps, Unlimited Data)

$30.13 €26.89

$33.38 €29.79

-9.74%

Gym Membership (Monthly)

$54.6 €48.72

$55.7 €49.71

-1.99%

Tennis Court (1 Hour on Weekend)

$26.03 €23.23

$11.00 €9.81

136.64%

Cinema Ticket

$10.78 €9.62

$8.00 €7.14

34.75%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$575 €513

$443 €395

29.77%

International Primary School, 1 Child (Yearly)

$13.1K €11.7K

$7,028 €6,272

86.71%

Jeans (Levis 501 Or Similar)

$93.2 €83.1

$82.5 €73.7

12.88%

Summer Dress (H&M, Zara, etc)

$40.68 €36.30

$33.95 €30.30

19.82%

Sport Shoes (Adidas, Nike)

$104 €92.9

$73.9 €65.9

40.82%

Men's Leather Business Shoes

$128 €115

$94.6 €84.4

35.73%

1-bedroom Apartment, City Center (Monthly)

$756 €674

$657 €587

14.97%

1-bedroom Apartment, Outside City Center (Monthly)

$652 €582

$395 €353

65.13%

3-bedroom Apartment, City Center (Monthly)

$1,294 €1,154

$1,232 €1,100

4.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,163 €1,038

$886 €791

31.21%

Buy Apartment in City Center (m2)

$4,008 €3,577

$3,642 €3,250

10.07%

Buy Apartment Outside City Center (m2)

$3,452 €3,081

$2,415 €2,155

42.93%

Average Monthly Net Salary (After Tax)

$1,243 €1,110

$1,037 €926

19.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

-10.40%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Athens: October 5, 2026

Last update for Herceg Novi: October 6, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Athens

$652 36.5%

Herceg Novi

$395 31.8% 39.4% $257

Groceries & Markets

Athens

$315 17.6%

Herceg Novi

$225 18.1% 28.4% $89

Eating Out

Athens

$269 15%

Herceg Novi

$186 14.9% 30.9% $83

Monthly Utilities & Internet

Athens

$267 14.9%

Herceg Novi

$178 14.3% 33.3% $89

Clothing & Footwear

Athens

$165 9.2%

Herceg Novi

$128 10.3% 22.2% $37

Sport & Entertainment

Athens

$76 4.3%

Herceg Novi

$72 5.8% 5.9% $4.5

Getting Around

Athens

$46 2.6%

Herceg Novi

$60 4.8% 31.1% $14

Cost Breakdown

A one-bedroom apartment in the center runs $756 in Athens and $657 in Herceg Novi. Housing cost is often the main lever when comparing two cities.

Athens pays 20% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $66.0 in Athens vs $36.00 in Herceg Novi for a mid-range dinner for two. Groceries echo the gap at $315 vs $225 per month, with Herceg Novi cheaper across the board.

Good to know

🇬🇷 Athens

🇲🇪 Herceg Novi

🕒 Local time

12:43 12:43 PM

11:43 11:43 AM

1 h behind Athens

🌤 Weather

👥 Population

3,090,508 Capital

11,059

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Athens Herceg Novi 660 km ≈ 1 h 15 min nonstop flight

From you

Athens
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Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Athens vs Herceg Novi: Cost of Living - Frequently Asked Questions

Herceg Novi wins on cost – living expenses run 46% lower than in Athens. Housing and daily spending are where you'll feel the difference most, making Herceg Novi the obvious pick if budget is a priority.

Average pay runs 20% higher in Athens, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $756 in Athens versus $657 in Herceg Novi. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Herceg Novi – a meal for two runs $36.00 versus $66.0 in Athens. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,806 per month in Athens versus $1,237 in Herceg Novi – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,237 in Herceg Novi versus $1,806 in Athens, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Athens. The gap between the two cities makes Herceg Novi the clear choice for anyone on this budget.

Both work as nomad bases, but Herceg Novi delivers better value – similar infrastructure at $1,237 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Herceg Novi hard to pass up.

Safety-wise, Athens and Herceg Novi are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Herceg Novi gentler on the wallet – expenses run 46% less than in Athens. Beyond cost, consider language, visa policies, and how big the international community is in each city.